The student loan refi ladder is a clever strategy that'll help you tackle your debt without wrecking your cash flow. We haven't talked about this much in recent years because of student loan payment and interest pauses, but with the One Big Beautiful Bill Act stripping protections from federal student loan borrowers, now is the time to decide between loan forgiveness and refinancing.

This episode will help you decide if refinancing — and the refi ladder — is right for you, or if forgiveness is the better path.

Key moments:

(07:55) Who should consider refinancing (and who shouldn't)

(15:14) If you're convinced that paying off your student loans is best, here's what to do first

(17:27) Why the refi ladder strategy helps

(25:42) Overly aggressive payments may hurt your chances for a mortgage or other big purchases

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Do you have a question about student loans? Leave us a voicemail here or email us at [email protected] and we might feature it in an upcoming show!